Business Edition® Visa® Card with Absolute Rewards® — FNBO is a business credit card from FNBO. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is a variable APR based on the Prime Rate, between 17.74% - 27.74% APR after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles after the account is opened introductory rate. Rewards: Absolute Rewards for Business: 1.50 points (equal to 1.50% back) per $1 of net purchases, no limit on points earned; redeem for merchandise, gift cards, travel, cash back (statement credit, ACH deposit or check) or other goods and services; points expire on or after the third anniversary of when they were awarded. Cash back: 1.5 points per $1 spent. Typical credit limit: $2,000 - $10,000. Loan terms: Revolving business credit card; due date at least 20 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum payment: New Balance if under $35, otherwise the greater of 2% of the New Balance or $35, or fees and finance charges plus 1% of the New Balance; minimum interest charge $1.75. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).